Activate Klarna for "Buy Now, Pay Later" Customer Payments

Corey Wright

Want to encourage shoppers to place larger orders by offering a "Buy Now, Pay Later" payment option? Read on to learn how!

With Klarna, shoppers can split their order balance into 4 interest-free payments, each two weeks apart with no credit impact.

This can help increase your overall revenue and overall customer retention. CommentSold data shows customers are 21% more likely to make repeat purchases from a shop using "buy now, pay later" options versus other payment processors.

Klarna is only available for shops on CS Payments. The standard transaction rate for Klarna is 5.5% + $0.30 per transaction.

Payouts for Klarna payments follow the same cadence as CS Payments. This means you can expect to see payouts on a rolling 2-day schedule.

Step 1: Enable CS Payments

You must have CS Payments enabled to activate and use Klarna. You can see if you qualify for CS Payments here.

If you need to enroll in CS Payments, follow the steps outlined below.
If you are live with CS Payments, you can proceed to the next section,

Select Support in the bottom-right corner of your CommentSold dashboard.
Select Get In Touch within the chat window.
Select Live Chat within the chat window.
Let our team know you want to enable CS Payments, then hit Enter on your keyword. We'll pass you through to a Support team member who can assist!

Step 2: Activate Klarna

Select Setup in the side menu of your CommentSold dashboard.
Select Payments Gateways in the menu at the top of the page.
In the Buy Now, Pay Later section, locate Klarna and select Activate.
You will need to confirm your decision to activate Klarna in the following pop-up. Select Activate.

Once you successfully activate Klarna, you'll see a green checkmark beside Klarna along with an Activated status. Enable the Display on Product Page toggle to show Klarna as an option to your customers.

Got Questions? We've Got Answers

What are the requirements for using Klarna as our Buy Now, Pay Later solution?
- You must have CS Payments connected to CommentSold.
Is Klarna available for mobile app purchases?
- Absolutely! You may need to encourage your shoppers to update their app in order to use Klarna. Announce it on your socials, live sales, and more to get the word out!
Is there a minimum purchase amount for orders to use Klarna?
- Yes, the minimum is $10.00
Is there a maximum purchase amount for order with Klarna?
- Yes. It varies depending on the plan the customer chooses but the max is either $1,000 or $1,500.
How do refunds work with Klarna?
- Klarna pays you the full amount and then handles collecting the payments from customers. In CS, it will show it as refunding the full amount and then Klarna refunds the customer whatever is necessary.
Why are Chase credit card payments to installment plan services like Klarna now being declined?
- Effective October 10, 2024, customers will not be able to use Chase credit cards with Klarna. Payments to any installment plans (e.g., Klarna, AfterPay, etc.) using a Chase credit card will be declined.

Troubleshooting Errors

Expand this section to know about the common errors and how to troubleshoot them.

Here are some common errors and their resolutions:

Customer is getting “Sorry you can’t use Klarna for this purchase” error. Why?
The purchase amount is either below the $10 minimum purchase charge or above the maximum purchase amount.

Customer has a pending charge but no order was created. What happened?
Just like Paypal & Sezzle, when a customer uses Klarna, they are taken to an external checkout page to complete their order. If the customer does not check out in time, the connection may time out for security purposes. This initial authorization may show as a pending charge in the customer’s bank account. Since the order was not created, the pending charge will fall off their account after a day or so. The customer will not be charged.

Learn More

Set Up CS Payments. Learn how to set up and process payments all within CommentSold.